As the world's leader in digital payments technology, Visa's mission is to connect the world through the most creative, reliable and secure payment network - enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company's dedication to innovation drives the rapid growth of connected commerce on any device, and fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.

At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers.

You're an Individual. We're the team for you. Together, let's transform the way the world pays.

Visa has the world's largest consumer payment transaction data set.  We see data on over 100 billion transactions per year from all over the world. Visa Predictive Models (VPM) team develops and maintains predictive machine learning models to primarily support Visa Global Data Products, Security and Identity Products, and Cardinal Commerce. Using mostly VisaNet data and leveraging Machine Learning (ML) and Artificial Intelligence (AI), our model scores help Visa clients all over the world for fraud defense, identity verification, smart marketing, credit underwriting and etc. Through our models and services, VPM fuels the growth of Visa clients, generates and diversifies revenues for VISA, greatly improving Visa Card customer experience and their financial lives. To support our rapidly growing group we are looking for Data Scientists who are equally passionate about the opportunity to use Visa's rich data to tackle meaningful business problems.

Location(s): Arlington, Miami, Atlanta, Toronto or other Visa office Hubs

Responsibilities:

• Execute model development, validation and performance tracking for risk models; generate performance analysis at the aggregate level, as well as issuer level. Interpret and present performance results to non-technical audience.
• Compile complex predictive model packages for production deployment; support model installations, and monitor and calibrate production models
• Propel analytic product development via conducting statistical analyses on various data sources; and add values to products by being innovative and applying the analysis
• Define financial and analytic metrics to measure development and production outcomes and produce performance reports
• Find opportunities to create and automate repeatable analyses  
• Support sales and marketing efforts with sound statistical and financial analysis; execute ad-hoc analyses to meet the fast-changing market demands
• Conduct transaction data analyses with Hadoop/Cloud and big data technologies, and develop deeper insights into the products using advanced statistical methods
• Ensure project delivery within timelines and meet critical business needs
• Work on cross functional teams and collaborate with internal and external stakeholders

Basic Qualifications

• 8 years of relevant work experience with a Bachelor's Degree or 5 or more years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD

Preferred Qualifications

• High level of competence in Python, Spark and Unix/Linux scripts
• Real world experience using Hadoop and the related query engines (Hive / Impala)
• Hands-on experience with deep learning  
• Prefer modeling experience in bankcard industry or financial service company   
• Demonstrated intellectual and analytical rigor, strong attention to details and excellent business writing, verbal communication, and presentation skills
• Graduate degree in a quantitative subject such as statistics, mathematics, economics, engineering, or similar disciplines

Work Hours: Varies upon the needs of the department

Travel Requirements: This position requires travel 5-10% of the time.

Mental/Physical Requirements: This position will be performed in an office setting.  The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.

Visa is an EEO Employer.  Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status.  Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.